ROOF ISOLATION
ActiveSummary
ROOF ISOLATION has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.85M and a net result of €40k. Equity is growing by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 42% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▼-3
Solvency54=
Growth55▼-12
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.39 in 2024; short-term debt: 47.1% and cash: 4.9% of total assets), and 71.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
28.9%
Return on assets
0.6%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
5 d late
2024
13 d early
2023
14 d early
2022
on the day
2021
9 d early
2020
31 d late
2019
19 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€16.25M▲ 24.5%
2024 · €13.05M
2021: €11.80M
2022: €13.83M
2023: €13.24M
2024: €13.05M
2021 → 2025
EBIT margin
0.9%▼ 1.4pp
2024 · 2.3%
2021: 7.8%
2022: 4.7%
2023: 1.5%
2024: 2.3%
2021 → 2025
Net result
€40k▼ 67.5%
2024 · €123k
2018: €117k
2019: €139k
2020: €289k
2021: €610k
2022: €422k
2023: €57k
2024: €123k
2018 → 2025
Working capital
€754k▼ 28.2%
2024 · €1.05M
2018: €384k
2019: €389k
2020: €651k
2021: €1.35M
2022: €1.13M
2023: €1.01M
2024: €1.05M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€11.80M-€13.83M▲ 17.2%€13.24M▼ 4.2%€13.05M▼ 1.5%€16.25M▲ 24.5%
Equity€1.48M-€1.64M▲ 10.8%€1.69M▲ 3.4%€1.82M▲ 7.1%€1.85M▲ 2.1%
Operating result€918k-€653k▼ 28.8%€195k▼ 70.2%€296k▲ 51.8%€148k▼ 49.8%
Net result€610k-€422k▼ 30.9%€57k▼ 86.5%€123k▲ 115%€40k▼ 67.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 50% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.41M
Fixed assets
€2.63M ▲ 9.9%
Current assets
€3.77M ▲ 0.2%
Equity and liabilities €6.41M
Equity
€1.85M ▲ 2.1%
Debt
€4.55M ▲ 4.8%
Debt's share of the balance-sheet total rises from 70.5% to 71.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€473k▼
2024 · €548k
Cash flow
€364k▼
2024 · €375k
Current ratio
1.25▼
2024 · 1.39
Quick ratio
0.72▼
2024 · 0.74
Debt to equity
2.45▲
2024 · 2.39
ROE
2.2%▼
2024 · 6.7%
ROA
0.6%▼
2024 · 2.0%
Interest coverage
3.06▼
2024 · 3.23
Debt ≤ 1 year
€3.02M▲
2024 · €2.71M
Debt > 1 year
€1.53M▼
2024 · €1.62M
Income taxes
€25k▼
2024 · €67k
Staff costs
€1.57M▲
2024 · €1.41M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 80 lines
Balance sheet
Code20242025
Assets
Total assets20/58€6.16M€6.41M▲
Fixed assets21/28€2.40M€2.63M▲
Intangible fixed assets21€18k€7k▼
Tangible fixed assets22/27€2.37M€2.62M▲
Land and buildings22€1.81M€1.70M▼
Plant, machinery and equipment23€231k€208k▼
Furniture and vehicles24€138k€276k▲
Leasing and similar rights25€182k€425k▲
Other tangible fixed assets26€8k€8k▼
Financial fixed assets28€8k€8k▲
Other financial fixed assets284/8€8k€8k▲
Shares284€7k€7k=
Amounts receivable and cash guarantees285/8€670€805▲
Current assets29/58€3.77M€3.77M▲
Amounts receivable after more than one year29€300k€300k=
Other amounts receivable291€300k€300k=
Stocks and contracts in progress3€1.75M€1.60M▼
Stocks30/36€1.75M€1.60M▼
Goods purchased for resale34€1.75M€1.60M▼
Amounts receivable within one year40/41€1.35M€1.47M▲
Trade receivables40€1.18M€1.38M▲
Other amounts receivable41€175k€92k▼
Cash at bank and in hand54/58€270k€315k▲
Deferred charges and accrued income490/1€93k€95k▲
Equity and liabilities
Total equity and liabilities10/49€6.16M€6.41M▲
Equity10/15€1.82M€1.85M▲
Contributions10/11€300k€300k=
Reserves13€1.51M€1.55M▲
Non-distributable reserves130/1€27k€27k=
Reserves not available under the articles1311€27k€27k=
Distributable reserves133€1.48M€1.52M▲
Profit (loss) carried forward14€5k€5k▼
Investment grants15€3k€2k▼
Amounts payable17/49€4.35M€4.55M▲
Amounts payable after more than one year17€1.62M€1.53M▼
Financial debts170/4€1.62M€1.53M▼
Subordinated loans170€60k€60k=
Leasing and similar obligations172€101k€291k▲
Credit institutions173€1.46M€1.18M▼
Amounts payable within one year42/48€2.71M€3.02M▲
Current portion of amounts payable after more than one year42€434k€528k▲
Financial debts43€1.36M€1.32M▼
Credit institutions430/8€1.36M€1.32M▼
Trade debts44€587k€701k▲
Suppliers440/4€587k€701k▲
Taxes, remuneration and social security45€333k€467k▲
Taxes450/3€163k€263k▲
Remuneration and social security454/9€169k€204k▲
Accrued charges and deferred income492/3€12k€4k▼
Income statement
Code20242025
Operating income70/76A€13.18M€16.36M▲
Turnover70€13.05M€16.25M▲
Other operating income74€130k€108k▼
Operating charges60/66A€12.88M€16.21M▲
Goods for resale, raw materials and consumables60€10.08M€13.00M▲
Purchases600/8€10.13M€12.84M▲
Change in stocks: decrease (increase)609€-59k€158k▲
Services and other goods61€1.08M€1.29M▲
Remuneration, social security and pensions62€1.41M€1.57M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€252k€325k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-40k€-31k▲
Other operating charges640/8€109k€60k▼
Operating profit (loss)9901€296k€148k▼
Financial income75/76B€113k€141k▲
Recurring financial income75€113k€141k▲
Income from current assets751€10k€10k▲
Other financial income752/9€103k€131k▲
Financial charges65/66B€219k€225k▲
Recurring financial charges65€219k€225k▲
Debt charges650€170k€155k▼
Other financial charges652/9€49k€70k▲
Profit (loss) for the period before taxes9903€190k€65k▼
Income taxes67/77€67k€25k▼
Taxes670/3€67k€25k▼
Profit (loss) for the period9904€123k€40k▼
Profit (loss) for the period to be appropriated9905€123k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€125k€45k▼
Profit (loss) brought forward from the previous period14P€3k€5k▲
Transfer to equity691/2€120k€40k▼
To other reserves6921€120k€40k▼
Social balance
Average headcount (FTE)908716.617.5▲
The notes to these accounts (101 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 5 days late
2025
31-12
Financial
Weakest financial yearnet €40k ▼67.5%
Net result drops to €40k, the lowest in the series.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema
2021
31-12
Financial
Highest result since 2018net €610k ▲111%
Operating result €918k, net result €610k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Equity above €1MEq €1.07M ▲36.1%
3 profitable years in a row build equity to €1.07M.
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 19 days late
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Gembloux · 1 establishment unit since 2012
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue des Praules, Sauv. 55030 GemblouxGround area
5,540 m²
Building footprint
460 m²
Parcel 92253D0530/00Z003, Wallonia. Linked by address, not a title deed.
1 establishment unit
ROOF ISOLATION SPRL
since 20122.205.830.379
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92253D0530/00Z003 | Wallonia | 5,540 m² | 1 · 460 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
ARK - SHELTER
BE 0630.865.036
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RCPB TOOLS
BE 0474.404.135
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EXZO
BE 0688.738.206
Aalter · Eq €1,519,020
DASNOIS Nicolas & Co
BE 0806.111.768
Bertrix · Eq €1,471,967
Prindal-Hout
BE 0418.995.260
Ninove · Eq €1,467,494
Of 237 companies in sector 47522 we hold annual accounts for 139. 57 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-12-2011
Fiscal year end31-12
Activities, NACEBEL 2025
46832Wholesale of timber
47522Retail trade
46130Agents in the wholesale of timber and building materials
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.